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HECM for Purchase Down Payment: Sourcing Rules and Seasoning Requirements (2026)

HECM for Purchase down payment rules in 2026: acceptable sources, the 6% IPC cap after FHA's April 2024 change, and 12-month seasoning explained.

Jul 31, 2026 · 8 min

Mortgage Refinancing BlogPlain-English Refi Guides

Independent mortgage refinancing education for U.S. homeowners. We explain the math; you make the call.

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